I was once told my HBOS case will probably turn on a sixpence and if this is to be the case, I would really like it to be on this duty of care issue. It riles me to think a lender is perfectly comfortable telling the Financial Ombudsman Service they do not have a duty of care when entering into a remortgage contract. In my opinion, knowingly writing remortgage and further advance business which does not exercise a duty of care makes them nothing short of tricksters and con men/women. The big question is what will the FOS make of this statement of theirs? lifeafterdebts.blogspot.co.uk/2013/06/duty-of-care.html